The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies

November 2013

Senior Marketing Communications ManagerChristie Gibson

Content SupervisorKatrina Kotzen

EditorRoberta Boyd King

Staff WriterChristine Perrenot

Social Media AnalystGina Circelli

Graphic DesignerJohn Begg

E-maileditor@torchmarkcorp.com to update information for Summit or to submit news for the Editor’s page.

Home Office First UA972-529-5085 315-451-2544

Agent Service Center 800-925-7355 or e-mail agencyservice@torchmarkcorp.com

Supply Order Fax469-525-4290 attn: agency supply

Supply Order E-mailagentsupply@torchmarkcorp.com

Websites unitedamerican.com unitedamerican.com/logon firstunitedamerican.com firstunitedamerican.com/office www.torchmarkconvention.com

Published regularly by United American and First United American Life Insurance Companies for the dissemination of information to their Agents. Prior permission must be obtained from the Home Office for reproduction or other use of material herein.

MEDICARE ANNOUNCES PREMIUMS, DEDUCTIBLES, COPAYMENTS FOR 2014

The Centers for Medicare & Medicaid Services (CMS) recently announced 2014 premiums, deductibles, and copayments for Medicare Part A, Medicare Part B, and Medicare Supplements:

• Monthly Medicare Part B premium - $104.90 for most people (the same as 2013)

• Annual Medicare Part B deductible - $147 (same as 2013)

• Medicare Part A hospital deductible - $1,216

• Part A copayment (hospital days 61-90) - $304

• Part A copayment (hospital days 91-150) - $608

• Part A copayment (Skilled Nursing Facility Care days 21-100) - $152

• Annual deductible Plan HDF and Plan F+ - $2,140

• Annual out-of-pocket expense limit for Plan K - $4,940

• Annual out-of-pocket expense limit for Plan L - $2,470

INTEREST RATES SETThe Lifestyle Annuity rate for Nov. 2013 is 3.00 percent. Rates are reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2013 is 3.00 percent.

HOLIDAY SCHEDULEThe Home Office will be closed Thursday, Nov. 28, and Friday, Nov. 29, in recognition of the Thanksgiving holiday.

Be thankful that you don’t already have everything you desire.If you did, what would there

be to look forward to?

Be thankful when you don’t know something,for it gives you the opportunity to learn.

Be thankful for the difficult times.During those times you grow.

Be thankful for your limitations,because they give you opportunities

for improvement.

Be thankful for each new challenge,because it will build your strength and character.

Be thankful for your mistakes.They will teach you valuable lessons.

Be thankful when you’re tired and weary,because it means you’ve made a difference.

It’s easy to be thankful for the good things.A life of rich fulfillment comes to those who

are also thankful for the setbacks.

Gratitude can turn a negative into a positive.Find a way to be thankful for your troubles,

and they can become your blessings.

~ Author Unknown

WORDS OF WISDOM

“Flaming enthusiasm, backed up by horse sense and persistence, is the quality that most frequently makes for success.”

~ Dale Carnegie, (1888-1955) American author and speaker

2 November 2013 Medicare

the stretch …We’re into

Keep Medicare on Your Mind!Temperatures outside are dropping, but the world of Medicare Supplements is a sizzling place right now. You’re currently involved in the Medicare Advantage Annual Enrollment Period (AEP), telling Seniors around the country about the value of choosing a quality Medicare Supplement from United American or First United American. With only a few weeks left in the AEP, there may still be thousands of Seniors out there who need your help. According to CSG Actuarial, nearly 300,000 Medicare Advantage enrollees have had their 2013 plans discontinued in 2014. More than 40,000 of these enrollees are from New Jersey. Five other states that each have more than 20,000 enrollees impacted by plan terminations are California, Georgia, Pennsylvania, Florida, and New York. I just read an article about 9,200 Seniors in Iowa being disenrolled from their MA plans for 2014, and saw a recent TV news report indicating at least 1,000 Medicare Advantage doctors in Connecticut are being dropped by a large Medicare Advantage insurer. If the doctor is being dropped, where does that leave the patient? Thousands of men and women may need to find new coverage options, and UA and First UA have them.

Moving froM the Aep to the AdpIf you don’t move all those prospects from Medicare Advantage plans to Medicare Supplements during the AEP, you have another opportunity during the Medicare Advantage Annual Disenrollment Period that starts Jan. 1, and runs through Feb. 14, 2014. During this six-week period, you may find many Seniors with Medicare Advantage plans who want to leave their MA plan, return to Original Medicare, and purchase a Medicare Supplement. Their reasons for wanting to change vary, but the result is the same for you — more prospects who need your guidance and industry expertise to help them purchase a Medicare Supplement. When you work with MA members being disenrolled involuntarily or those voluntarily dropping their MA plans, you may need to educate them on the value of Medicare Supplements and the features that may make Medicare Supplements a good choice. If these individuals have had their MA plans for some time, they may not be aware of the value they can receive when switching to a Medicare Supplement. It’s up to you to tell them.

the iMportAnce of guArAnteed renewAbilitYI believe guaranteed renewability is one of the most important features a Medicare Supplement insurance plan offers Seniors. It may not be as important to young Seniors, but as Seniors age and develop more health problems, guaranteed renewability becomes critically important. Knowing their coverage cannot be dropped

as long as their premiums are paid on time means a lot. If their health starts to deteriorate, they know their supplemental coverage will still be there to cover the medical expenses Medicare does not cover.

one of the best reAsons to sell MedicAre suppleMentsWhat’s one of the best reasons to sell Medicare Supplements? You can sell them year-round! And now you have access to the iGO e-App® for Medicare Supplement sales to make that process faster and easier. Sell in any state where the product is approved, and you are licensed and appointed. Just imagine the freedom and flexibility that gives you! Sell Medicare Supplements from the comfort of your home office on cold winter days or when the temperature reaches triple digits. Reach more prospects without ever walking out your door. Submit the business electronically with the iGO e-App directly to the Home Office for faster policy issue and less chance of underwriting delays. The e-App doesn’t let you make a mistake or leave anything to chance.

With 2013 winding down, I’m already getting enthusiastic about 2014. Given the potential you have with the iGO e-App to increase your Medicare Supplement sales through the end of the year, I’m confident the Convention celebration we have in New Orleans will be unforgettable.

hAve A wonderful holidAY seAson! MAY You And Your fAMilY be AbundAntlY blessed.

Source: http://www.kcrg.com/internal?st=print&id=226351881&path=/news/local; http://nation.foxnews.com/2013/10/17/unitedhealthcare-drops-medicare-advantage-doctors

Medicare November 2013 3

Charles Mankamyer Senior Vice President / General Agents

Welcome to:

United AmericAnAdams, Patricia C.Afshar, MaryamAgbede, Mayokun B.Agriam, Virgilio A.Ahern, RichardAlcudia, Velia C.All At 1 Ins. Agency Spfld Ill Inc.Allen, Gregory R.Allen, Richard E.Allen, S. JeromeAlmoradie, ConradAlmoradie, LourdesAnderson, James L.Anderson, Robert W.Ang, LucyArchuleta, Manuel B.Arrington, Edith C.Athanas, Arthur W.Autore, Thomas W.Bailey, Eugene S.Baker Welman BrownFinancial ServicesBaldwin, JackieBarcellona, Leigh A.Barnes, Shelley L.Barone, RozanneBartell, JeanBarton, BryanBaskett, John S.Batres, Carlos C.Beach, James M.Beiter, MichaelBell, MarryBellamy, Regina G.Bennett, Lester J.Berish, Thomas J.Berry, KathyBertrand, DesileBingham, PatriciaBird, PaulBirk, PhyllisBirkenkopf, RudolfBlair-Scott, CarlineBohling, KennethBorgen, ChrisBoseman, LatoyaBott, Paul D.Bouchard, Cheryl L.Bowman, LaceyBoyer, John R.Brady, ThomasBrayton, Darwin L.Bronsted, Nathan P.Brooks, Mark S.Brothers, RobertBrown, Adam I.Brown, James A.Brown, MattBrown, ToddBuffy, TomBurkhalter, StephenByrd, Wayne L.Cabote, Erwin James B.Campbell, Fairfax S.Cannon, John D.Carlson, Kenneth D.Carlson, LindaCaron, Clay W.Carrier, LeoCaverly, Luisa P.Cearley, FranklinCernik, KevinChacha, SimonCheak, Deanna M.Chen, TheresaChernuchin, Andrew D.Christy, Ronald V.Cohen, Burton

Collins, Christopher B.Conard, David W.Connors, Robert J.Coronilla, Joseph C.Cosby, HarrietCouch, JeanCounts, KarenCourtney, Larrie J.Covert, Doug J.Cremens, Scott D.Cronwell, Ronald R.Culling, Donald V.Cunningham, Kenneth J.Curran, LindaDaemi, AliDandappanavar, Shivakumar S.Darugar, HassanDavis, DanDavis, Dana T.Davis, JodiDavis, Stephen H.DeAngelo, JaneDecker, Paul J.Dedeibe, AustinDelgiudice, LisaDemonbreun, Jojean M.Deroche, MichaelDevore, KennethDick, Xenia D.Dickson, Boyd D.Dougherty, KevinDougherty, PhillipDrake, MaryellenDunn, Carolann M.Dunn, Hayven W.Eagleton, Mark D. IIIEaton, JackEilers, KennethEinspar, JamesElkin, Robert R.Elmo, LouEnsey, ChrisErnst, BenEvans, Mary L.Fabella, PhilipFairbanks, Alan S.Farleigh, Floyd R.Feehan, James F.Fields, David D.Fishbourne, ValerieFlaker, Michael F.Flaum, CarolFord, JamesFortier, Robert J.Fox, Harriett P.Franklin, William N.Franks, James E.Freeman, Sharon R.Gallo, Gerardo A.Gandelman, RobertGann, WilliamGarcia, Joe R.Garcia-Lavergne, AlbertinaGarcia-Lavergne, LuisGarrido, KatharinaGary, NathanielGates, DanielleGaylord, MitchellGelser, George M.Gendron, StevenGeringer, MichaelGichomo, RoseGigax, Jeffrey W.Giles, Mary D.Gilpin, Sara A.Gintel, Jay R.Global Underwriters Agency, Inc.Glogau, Leslie R.Glucksman, Sheldon

Gonzales, Joseph D. Jr.Gotfried, MarnieGottlieb, EllenGrace, RoseGray, Donald A.Green, JonahGreen, QuartterrioGreen, Sybil E.Greene, Sandra G.Greer, Joey W.Gregory, Stuart H.Gustafson, GregGutierrez, ErikGuy, Earline A.Guy, Malinda M.Haas, Rodolfo M.Halley, Jack R.Handy, DemetrisHansen, John P.Harmatuk, John F.Harris, Reverle P.Harris, Theresa M.Hawthorne, CatherineHayward, Susan M.Hearn, James B.Heath, GaryHenderson, David H.Henry, Francis J.Hernandez-Fumero, MarioHeron, Linda J.Hess, KennethHight, MikeHodges, Charles R.Hoffman, Donald C.Holloway, JohnHolman, Harold D.Holmes, WileneHonsinger-Davis, Shellie R.Hoots, Debra A.Horne, Jimmie A.Horowitz, Jan H.Hudson, RobertHudson, StanHuelsman, ClarenceHumphries, Jason C.Humphries, Michael D.Hyman, Audley L.Iacaboni, MarcIgnacio, Vanessa L.Israel, Benjamin N.Jabo, Nicole R.Jackson, Tiffany R.Jacobs, Carrie A.Jajoo, GhanshamJames, AaronJean, MarieJeffs, Deborah L.Johansen, Jon F.John, Pamela T.Johnson, Gloria J.Johnson, Kenneth A.Johnson, Mary A.Jones, CarolJones, JoanKabore, MarcusKarp, KathieKathrein, Ronald E.Katz, Hugh S.Katz, Morty M.Kelly, Thomas J.Kenon, MiltonKenrick, PatKeyes, DouglasKikel, JoanneKinberg, DavidKing, James L.Kinoshita, Bradley T.Kirkendall, Terry E.Kloppe, JerryKnauf, John H.Koch, Nancy B.

Krzyzaniak, Peter D.Kuhn, CurtisKunz, Garth J.Kurdziel, ThomasKyle, Colin S.Lafontant, JeanLando, Donald A.Lang, Dennis M.Lange, MarkLange, Robert A.Laronga, Robert J.Latham, AaronLawhon, James L.Lawrence, VeryanLe Grand, JosephLee, Mary J.Lee, Ralph W.Leech, Joseph V.Leedom, Frederick M.Leonard, BonnieLeslie, ChristopherLewis, DavidLongobardi, Elizabeth A.Lorenz, JenniferLoven, PaulLuckett, PaulLyles, Brenda L.Madolora, Aurebella D.Mahoney, CarolynMalczynski, Kathleen M.Manna, James A.Maranda, Janet L.Marcus, LynneMaresca, PaulMargeson, JohnMark, Ronald L.Markowski, HedwigMartin, WandaMartini, Gaetano J.Maxson, Ellen J.Maycock, ThomasMaz, David A.McCall, Sarah D.McCarthy, RichardMcCarty, Dennis E.McCloskey, WilliamMcConnell, Dora M.McCracken, Charles H.McCutcheon, James G.McDonald, David W.McDowell, HarryMcGregor and Associates, Inc.McLaughlin, Catherine M.Medina, RaquelMeltzer, MerrickMicciche, Warner J.Miles, Thomas H.Millard, DanMiller, Maurice N.Mollica, RosannaMollo, GerardMongare, BethzaliMongare, VincentMonteagudo, JoseMoots, CharlesMoreland, Jay M.Morrill, Philip R.Morris, AlanMorse, Doreen S.Mossie, RobertMouse, BrianMoy, JohnMuhammad, AmeerMyers, David N.Nelson, Scott L.Nesrsta, Jeffrey C.Nichols, Scott A.Nihill, Theresa G.Nixson, YasminNorman, Marsha M.

Norris Guerrero, Margaret A.Norrman, PeterO’Neill, James E.Olson, Michael J.Olson, RoyOmolana, EmmanuelOsteen, Lewis D.Outten, DereckPage, Jean S.Palacios, Soraya N.Palermo, Peter J.Palmer, Jamella M.Palmiotto, PeterPappas, Jim P.Patrick, Martin D.Patterson, DalePatterson, PeggyPearson, Margaret J.Pecunia, HarryPennington, Jeannie M.Perez, NadinePerry, TimPhagan, Blake R.Phillips, David S.Phillips, JoannePhothakanapong, KittikaPires, RubenPirog, Patricia L.Pirret, John B.Podesta, Peter M.Poland, John C.Pollock, JamesPrice, William L.Purificato, Anthony E.Pye, Harmon G. IIIQuezada, Samuel A.Raimondi, GerardRak, CherylRamsey, CharlesRatliff, TedReed, JuanitaReigle, JuneReisch, NormanRemy, SoniaReyes, RachelReyna, JoeRhine, Wilford B.Rhodes, Glenvel J.Rigueur, EvelineRing, Ruth-AnneRippy, MaryRivas, Julia M.Rivera, JorgeRobinson, PatriciaRobledo, Christina M.Roper, Catherine M.Rose, Dacia A.Rosenberg, NathanRosenthal, Matthew G. Rothschild, MaxRowland, Teresa J.Rucks, Andrew W.Saenz, JohnSaenz, Marjorie L.Sagnelli, Anthony A.Samyn, RuthSanchez, OsmundeSanders, SidSandrini, George W.Sather, MarkSatterwhite, DeborahSavitz, DavidSchmidt, Martin Z.Schnell, StanSchnick, Todd A.Schultz, Pamela R.Schwartz, Jesse J.Schwedelson, Marc L.Sechler, Richard T.Sequin, Brian J.Sernaker, Howard

Seward, MarkShamlin, Douglas K.Shapero, Kennneth A.Shapiro, Michael A.Sharma, KrishanSheets, James G.Shipley, Debra A.Shoraka, ElaheSiedman, BarrySilva, Arsenio M.Simmons, JanetSimon, Stephen M.Sisk, StephenSkirvin, RichardSloan, Rollin J.Smith, Geoffery M.Smith, Kevin M.Smith, RussellSmith, Tenitra M.Smith, William F.Spanola, MelissaSpillum, Michael P.Squalls, Keith A.Stanford, Florida S.Stephen, HannahStephenson, LindaSteptoe, Richard D.Stewart, TashaStock, DanielStone, PeterStraus, Arnold Sr.Stypula, Daniel J.Suarez, FrancoSudbury, Sammy K.Sullivan, Tammey J.Syler, WilliamTaraborrelli, RoccoTaylor, Jeanette K.Taylor, Tezenia J.Terronez, ChanteThadhani, HarishThomas, Alexander R.Thomas, FrankThomas, Michael G.Thomas, Weller R.Thomas, WilliamThornton, JohnnieThrasher, David L.Thurber, ZachTodd, JackTolchin, KennethTorchiana, Christopher M.Torres, Dwayne J.Tourville, Richard R.Trang, FionaTratree, BillyTrujillo, ArthurTrussell, CarolynTrussell, RayburnTucker, Evelyn L.Turner, Andre R.Turner, Pamela A.Tyloskog, Mats R.Tyroch, Mary K.Vanligten, Robert D.Varatharaj, Manorama G.Vaughn, GaryVentolo, Gerard F.Vest, Brenda S.Vincent, Lillian G.Vongsouvanh, Jacklyn K.Vozar, Kevin E.Waldman, RichardWaters, Ronnie D.Waton, DanielleWatson, LennardWebb, Mark E.Weber, JamesWedrosky, TimothyWehrle, John E.Weiss, Alan D.

Welty, JeffreyWest, Edward G.Westphal, ChristopherWhite, AnneWiener, Fredrick D.Wikle, ArtWilliams, Dennis L.Williams, RichardWinchcombe, Edward D.Wion, AllenWoernle, Ronald E.Woldt, Thomas T.Wolf, Patricia A.Wolf, SandiWolfe, DanWright, John E.Yocum, MichaelZak, DonaldZuckerman, Edward S.

FirSt United AmericAnAiello, James C.Belen, GiovanniBerish, Thomas J.Bregman, IrinaCaramanica, AngeloCardone, Norma F.Carr, Gregory A.Cirera, AlexanderCorradeno, AnnemarieCremens, Scott D.Dave, ManeshEichel, RogerFirpo, LeandroFucarino, FrankGenciana, MilandroGesla, WalterGomez, CarlosGrant, John F.Haemer, Margaret R.Herman, Charles F.Hoolahan, James E.Jack Schroeder & Associates, Inc.Jewell, MichaelJohn, JohnKugler, JeffreyKuruvilla, GeorgeLerner, RandyLu, PaulManduca-Molina, DawnmarieMarma, AlbertMathai, PhilipMathew, KannanthanamMcDowell, HarryMirocco, MarkMule, RobertPalmer, SterlingPapush, Sharie R.Rampersad, KamerickRatuszny, RussellRiggi, MichaelRispoli, AnthonySanford, VanessaScott-Staine, GloriaSenbergs, EdwinShapiro, LarrySherman, RobertSiegel, Elyse R.Strockis, Paul M.Vaccaro, RonaldWest, Michael Wren, Keith C.

With the bUSy medicAre SeASon in FUll SWing, We’re very thAnkFUl to hAve yoU on boArd!

4 November 2013 Medicare

GET READY ...

GET SET ...

GET CERTIFI

ED!

The Medicare Advantage Annual Enrollment Period is almost over, but the Medicare Advantage Annual Disenrollment

Period is coming soon, and you want to be ready.

Don’t wait! Get certified NOW on the iGO e-App® for Medicare

Supplement sales to help your production grow.

You must attend a certification webinar and complete a Brainshark certification quiz to use the iGO e-App. The link to the quiz is at the end of the webinar presentation and takes only a few minutes to complete.

The e-App webinar schedule is on the UA General Agent Office website and is updated regularly. Find a date and time that works for you and register today!

The sooner you get certified, the sooner you can take part in the iGO e-App Incentive Contest that runs until Dec. 31, 2013.

The more Medicare Supplement policies you have issued using the iGO e-App, the more likely you are

to win movie tickets, a Garmin GPS, or an iPad.

Medicare November 2013 5

Home Office Agent Training

You have a lot going on this time of year with the Medicare Advantage Annual enrollment period (Aep) underway and the Medicare Advantage disenrollment period (MAdp) coming up.

but when you use the new igo e-App for Medicare supplement sales, the going gets easier!

You’ve only been using the igo e-App for about six weeks, but it’s already having a positive impact:

★ Reach more prospects faster and easier

★ Spend less time (or no time) traveling to appointments and more time working with customers

★ Save wear and tear on your vehicle and spend less on gas

★ Never let weather get in the way of making a sale

★ Present a professional online sales presentation

★ Feel confident the application is always properly completed

★ Avoid underwriting delays with fast electronic submission to the Home Office

Keep in mind when contacting prospects and customers:

1} Sales solicitations via fax, e-mail, and text message are not permitted.

2} If soliciting via telephone (i.e., telemarketing), you must also comply with applicable federal ‘Do Not Call’ legislation and other telemarketing laws/regulations applicable to the state(s) in which you are selling.

Using prerecorded messages/Automated Telephone Dialing Systems (‘autodialers’) for solicitation purposes is not permitted.

“the igo e-App is the most user-friendly online application

system i’ve used. My customers are just as pleased by the

ease and simplicity of our new application process.”

Joe Maisonet

Jon Ahlbum

“the igo e-App streamlines the new business submission process, and eases recordkeeping from an

Agency standpoint.”

Devin Barta

“the new e-App has allowed me to expand my business to a broader market. it has made doing business

faster and more efficient. thanks, dave oliver, and the

home office crew for making this technology available.”

“the e-App allows you to submit business more efficiently than ever

before. it’s great to have dave oliver in the home office to roll

out this great selling tool.”

Tim Ahlbum

“the e-App not only saves time, money, and resources, it allows

me to expand my clientele throughout the state and even

the country.”

Jackson Edwards V

Natali Sachs

“the e-App is going to save a lot of trees.”

For those who couldn’t make it to the Home Office for the Sept. 27th Agent Training, here are a few more pics to make you wish you’d been there!

It was a fun, informative day for everyone and started many of you on the road to iGO e-App success!

think Medicaresupplements

and the

Medicare November 2013 7 6 November 2013 Medicare

RECRUITING YOUNG AGENTS

How to Appeal to Young Agents:

Positive Personality Attributes of Millennials:

37% 90%

50%

89%

At United American and First United American, we’re always looking for innovative ways to help you grow your Agencies. Get ready, because the young Millennial generation is entering the job market in full force!

Members of this unique generation were born between 1980 and 2000 and make up the largest generation to date1. These young adults can bring great qualities to your Agency, which can ultimately make you and your Agency more successful! Millennials are a generation of young adults who want to make a name and create a bright future for themselves. Are you out there recruiting and looking for Agents from this age group? By 2025, three out of every four workers globally will be Millennials1.

It is important Millennials feel they make a difference in their place of employment. No matter what generation a potential recruit belongs to, it’s important to emphasize how a sales career with UA or First UA gives Agents scheduling flexibility, unlimited income potential, the chance to sell products that can change the lives of consumers, the opportunity to develop lasting relationships with their clients, and the chance to have a work and home life balance.

As Millennials move into the workforce, be ready to embrace the diversity or be left in the dust! Such a large generation is sure to create changes to the insurance industry. Use the change to your advantage. Build your team for the future to better reach prospects. Shape your Agency to be appealing to this generation and get ready to start pulling from the Millennial talent pool!

1) Use Social Media for job postings and encourage Millennials to use Facebook, LinkedIn, Twitter, etc., for marketing and recruiting.

2) Attend college career fairs.

3) Provide young Agents with appropriate training and serve as their mentor.

4) Provide incentives like prizes, vacations, and friendly competition to promote success.

5) Emphasize why insurance is important to sell - because it helps people.

• Confident

• Self-expressive

• Open to change

• High expectations for themselves and others

• Technologically savvy

Millennials wil l make up 50 percent of the U.S. workforce by 20303.

Mil lennials are on course to become the

most educated generation in American history3.

37 percent of 18 to 29-year-olds are unemployed or out of the workforce2.

90 percent of Mil lennials surveyed think being an entrepreneur means having a certain

mindset rather than starting a company4.

89 percent of Mil lennials would prefer

to choose when and where they work rather than being placed in a

9-to-5 position4.

1Time.com, 20132pewsocialtrends.org, 2013

3washingtonexaminer.com, 20134odesk.com

Medicare November 2013 9 8 November 2013 Medicare

#2

#2

#3

#3

#4

#4

#5

#5

#1

#1

PRESIDENT 'S CLUB

PaceSeTTerS cLUB

look For yoUr nAme on FAcebook And tWitter!

6. CATHERINE E. HATTON Long Island Insurance Solutions

7. PAUL SWEENEY Quality First Insurance Agency, Inc.

8. ROBERT M. WROBLEWSKI SOS Insurance Group

9. SHAWN T. SCHROEDER Jack Schroeder & Associates, Inc.

10. JOHN STAMPER Choice Plus Benefits

11. AMERICAN EAGLE CONSULTANTS, INC.

12. PAUL T. SHELDON Paul Sheldon Insurance & Benefits Planning

13. FAHED M. ULAYYET Ulayyet Insurance Agency

14. MARK HELLER Heller Insurance Agency

15. PHILIP B. ORTEZ JR. Phil & Kathy Ortez Insurance Agency, Inc.

16. DAVID K. DANIELS David K. Daniels & Associates

17. JOHN J. COSTA Agent Services of America

18. RICHARD D. SAKHAROFF Security Benefits Group, Inc.

19. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

20. JOSEPH MAISONET Maisonet Insurance Agency

21. JOHN STEVEN CARRAN

22. SCOTT J. SCHWARTZ Insurance Protection Services

23. NAYEEM SIDDIQUE Siddique Insurance Agency

24. CENTURION AGENCY, LTD.

25. EARL D. DWORKIN Dworkin Insurance Agency

26. EDWARD L. SHACKELFORD The Assurance Group, Inc.

27. BRIAN W. BAACKE Baacke Insurance Agency

28. STUART ALAN Senior Care Insurance Center

29. THOMAS G. STATKEWICZ Sylvan-James Associates, Inc.

30. FIRST INSURANCE ENTERPRISES, INC.

6. EDWARD A. CATRON

7. FAHED M. ULAYYET

8. MARK HELLER

9. JOHN W. STAMPER

10. JON AHLBUM

11. ROBERT HOLZMAN

12. CHRISTOPHER N. GRAHAM

13. GARY S. KEMPLER

14. AARON GORDON

15. RICHARD D. SAKHAROFF

16. SCOTT J. SCHWARTZ

17. SANDRA K. STEVENS

18. MICHAEL KLINE

19. PHILIP B. ORTEZ JR.

20. MATTHEW BROWN

21. ROGER A. GRADY JR.

22. KENNETH R. DELAUTER JR.

23. ALEXANDER E. MAIRANO

24. EARL D. DWORKIN

25. DEXTER R. SAYLOR

26. HOWARD ROSENKRANTZ

27. JACKSON EDWARDS IV

28. ROBERT V. TANTILLO

29. VICTORIA A. MAJOR

30. PAUL W. SWEENEY

Through October 2013, these top producing Agencies and Agents have the highest net combined annualized premium. They qualify to attend the annual Convention based on Company production and retention requirements.

MIKE LEMAR Sunshine State Agency

KERRY SACHS

RAY STEVENS Stevens & Associates Insurance Agency

RAY STEVENS

RON CONCKLIN Rosenberg-Concklin, Inc.

DEVIN M. BARTA

SCOTT E. MEDNICK Professional Insurance Systems of Florida

PAUL T. SHELDON

1. JON AHLBUM The Ahlbum Group

2. MIKE LEMAR Sunshine State Agency

3. RAY STEVENS Stevens & Associates Insurance Agency

4. RON CONCKLIN Rosenberg-Concklin, Inc.

5. SCOTT E. MEDNICK Professional Insurance Systems of Florida

6. CATHERINE E. HATTON Long Island Insurance Solutions

7. PAUL SWEENEY Quality First Insurance Agency, Inc.

8. ROBERT M. WROBLEWSKI SOS Insurance Group

9. SHAWN T. SCHROEDER Jack Schroeder & Associates, Inc.

10. JOHN STAMPER Choice Plus Benefits

11. AMERICAN EAGLE CONSULTANTS, INC.

12. PAUL T. SHELDON Paul Sheldon Insurance & Benefits Planning

13. FAHED M. ULAYYET Ulayyet Insurance Agency

14. MARK HELLER Heller Insurance Agency

15. PHILIP B. ORTEZ JR. Phil & Kathy Ortez Insurance Agency, Inc.

16. DAVID K. DANIELS David K. Daniels & Associates

17. JOHN J. COSTA Agent Services of America

18. RICHARD D. SAKHAROFF Security Benefits Group, Inc.

19. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

20. JOSEPH MAISONET Maisonet Insurance Agency

21. JOHN STEVEN CARRAN

22. SCOTT J. SCHWARTZ Insurance Protection Services

23. NAYEEM SIDDIQUE Siddique Insurance Agency

24. CENTURION AGENCY, LTD.

25. EARL D. DWORKIN Dworkin Insurance Agency

26. EDWARD L. SHACKELFORD The Assurance Group, Inc.

27. BRIAN W. BAACKE Baacke Insurance Agency

28. STUART ALAN Senior Care Insurance Center

29. THOMAS G. STATKEWICZ Sylvan-James Associates, Inc.

30. FIRST INSURANCE ENTERPRISES, INC.

1. MARITA A. ROBISON

2. ROY A. MALONE

3. MACK M. DANIELS

4. TERESA MAROTTO

5. LEE A. MCGRIGGS

6. MICHAEL JOHNSON

7. RONALD C. WOODLIEF

8. SHARON R. FREEMAN

9. GEORGE A. WALLACE

10. EDWARD D. WILLIAMS

11. ANTHONY G. SMITH

12. JESSE E. BROWN

13. JOHN R. MCBRAYER

14. KENNETH R. GEMPELER

15. LARRY N. HUCKEBA

16. DENIS B. MITCHELL

17. DENNIS F. SIERRA

18. RICHARD L. GOEBEL

19. OWEN M. METTS

20. GREGORY L. JOHNSON

21. LOREN A. OLGUIN

22. LULA M. JONES

23. ROBERT D. COLLINS

24. MICHELE M. MITCHELL

25. FRED RICHARDSON

26. GEORGE A. WILKES JR.

27. JENNIFER JELKS

28. MARK BUTCHER

29. JOHN A. LOWDEN

30. WILLIAM M. BLACKFORD III

1. TIM AHLBUM

2. RAY STEVENS

3. KERRY SACHS

4. DEVIN M. BARTA

5. PAUL T. SHELDON

6. EDWARD A. CATRON

7. FAHED M. ULAYYET

8. MARK HELLER

9. JOHN W. STAMPER

10. JON AHLBUM

11. ROBERT HOLZMAN

12. CHRISTOPHER N. GRAHAM

13. GARY S. KEMPLER

14. AARON GORDON

15. RICHARD D. SAKHAROFF

16. SCOTT J. SCHWARTZ

17. SANDRA K. STEVENS

18. MICHAEL KLINE

19. PHILIP B. ORTEZ JR.

20. MATTHEW BROWN

21. ROGER A. GRADY JR.

22. KENNETH R. DELAUTER JR.

23. ALEXANDER E. MAIRANO

24. EARL D. DWORKIN

25. DEXTER R. SAYLOR

26. HOWARD ROSENKRANTZ

27. JACKSON EDWARDS IV

28. ROBERT V. TANTILLO

29. VICTORIA A. MAJOR

30. PAUL W. SWEENEY

JON AHLBUM The Ahlbum Group

TIM AHLBUM

1. ROBERT M. WROBLEWSKI SOS Insurance Group

2. MARITA A. ROBISON Robison Insurance Agency

3. MACK M. DANIELS Daniels Insurance Agency

4. TERESA S. MAROTTO American Insurance Center, LLC

5. CHARLES A. LOPER JR. Loper Insurance Agency

6. MICHAEL JOHNSON Johnson Insurance Agency

7. RONALD C. WOODLIEF Woodlief Insurance Agency

8. SHARON R. FREEMAN Freeman Insurance Agency

9. GEORGE A. WALLACE Wallace Insurance Agency

10. EDWARD D. WILLIAMS Williams Insurance Agency

11. ANTHONY G. SMITH Smith Insurance Agency

12. MIKE STEVENS Farm & Ranch Healthcare, Inc.

13. JESSE E. BROWN Brown Insurance Agency

14. JOHN R. MCBRAYER McBrayer Insurance Agency

15. KENNETH R. GEMPELER Gempeler Insurance Agency

16. LARRY N. HUCKEBA Huckeba Insurance Agency

17. MIKE LEMAR Sunshine State Agency

18. JON AHLBUM The Ahlbum Group

19. DENIS B. MITCHELL Mitchell Insurance Agency

20. OWEN E. METTS Metts Insurance Agency

21. GREGORY L. JOHNSON Johnson Insurance Agency

22. ENSURITY GROUP, INC.

23. LOREN A. OLGUIN Olguin Insurance Agency

24. LULA M. JONES Jones Insurance Agency

25. ROBERT D. COLLINS Collins Insurance Agency

26. RICHARD L. GOEBEL Goebel Insurance Agency

27. FRED RICHARDSON The Richardson Group

28. GEORGE A. WILKES JR. Wilkes Insurance Agency

29. MARK BUTCHER Butcher Insurance Agency

30. WILLIAM M. BLACKFORD III Blackford Insurance Agency

look For yoUr nAme on FAcebook And tWitter!

Medicare November 2013 11 10 November 2013 Medicare

LiFe HeaLTH

Ge

Ne

ra

L a

Ge

NT

SW

riT

iNG

aG

eN

TS

LiFe HeaLTH

WH

AT Y

OU

NEE

D T

O q

UA

LIFY

IF

YO

U A

RE A

Gen

erA

l A

Gen

T:

MONTH LIFE ONLY HEALTH ONLY COMbINEd

$180,000 nAP $350,000 nAP $350,000 nAP

JAn. $15,000 $29,167 $29,167

FeB. 30,000 58,333 58,333

MAr. 45,000 87,500 87,500

APr. 60,000 116,667 116,667

MAY 75,000 145,833 145,833

JUne 90,000 175,000 175,000

JUlY 105,000 204,167 204,167

AUG. 120,000 233,333 233,333

SePT. 135,000 262,500 262,500

OCT. 150,000 291,667 291,667

nOV. 165,000 320,833 320,833

DeC. 180,000 350,000 350,000

WH

AT Y

OU

NEE

D T

O q

UA

LIFY

IF

YO

U A

RE A

Wri

Tin

G A

Gen

T:

MONTH LIFE ONLY HEALTH ONLY COMbINEd

$100,000 nAP $150,000 nAP $150,000 nAP

JAn. $7,500 $12,500 $12,500

FeB. 15,000 25,000 25,000

MAr. 22,500 37,500 37,500

APr. 30,000 50,000 50,000

MAY 37,500 62,500 62,500

JUne 45,000 75,000 75,000

JUlY 52,500 87,500 87,500

AUG. 60,000 100,000 100,000

SePT. 67,500 112,500 112,500

OCT. 75,000 125,000 125,000

nOV. 82,500 137,500 137,500

DeC. 100,000 150,000 150,000

Agents who contract after Feb. 1, are prorated for Convention qualification. For example, contract in March and the Agent life/health requirement is 10 months or $125,000 of combined nAP. Minimum nAP for an Agent who contracts in June is six months or $75,000 combined nAP. Agents must be contracted and produce at a six-month minimum production level to be eligible for Convention.

It’s The

Big Easy

in 2014!

The Roosevelt New Orleans June 26-29, 2014